bestauto insuranceHillsboroCompare the Cheapest Car Insurance Quotes in Hillsboro, OR
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In Hillsboro, GEICO offers the cheapest full coverage and state minimum car insurance, but your chosen coverage and profile can change that. State Farm provides the most affordable policy with a speeding ticket. If you have a military background, your cheapest option could be USAA. Country Financial is MoneyGeek’s best provider in Hillsboro for balancing cost and service quality.
bestauto insuranceHillsboroThe Cheapest and Best Car Insurance in Hillsboro
Cheapest Overall - GEICO
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - State Farm
Best Overall - Country Financial
The Cheapest Car Insurance Companies in Hillsboro
The average, widely available cheapest car insurance in Hillsboro for a driver who wants a full coverage policy is with:
- GEICO: $862 per year
- Progressive: $866 per year
USAA is the cheapest company in Hillsboro, offering full coverage car insurance at around $700 per year. However, its policies are only available to eligible military members, veterans and their families.
A GEICO policy costs 65.1% less than a similar policy from Allstate, which has the most expensive annual premium of roughly $1,423.
A full coverage policy has comprehensive and collision insurance. Your premium may change depending on the amount of liability insurance you choose to include in it.
Cheapest Car Insurance in Hillsboro
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$700
- 2.$862
- 3.$866
- 4.$884
- 5.$888
Per our methodology, MoneyGeek gathered average car insurance rates in Hillsboro for a 40-year-old male driver carrying a full coverage policy.
You get comprehensive and collision insurance alongside liability in a full coverage policy. These make full coverage more expensive than minimum coverage, but it provides additional protection for your vehicle when damaged that liability alone does not.
- Comprehensive insurance: covers the cost of damage to your car outside of an accident, such as from weather, fire or vandalism
- Collision insurance: handles the cost of damage to your vehicle caused by an at-fault accident with a vehicle or stationary object
It’s worth noting that liability-only or state minimum car insurance may be a better alternative if the premium for a full coverage policy costs more than the replacement value of your older car.
Compare Car Insurance Rates in Hillsboro
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Hillsboro for Minimum Coverage
State minimum coverage is the cheapest car insurance policy in Hillsboro you have available.
The companies that, on average, provide the cheapest, open-to-all minimum coverage policy in Hillsboro are:
- GEICO: $520 per year
- Progressive: $548 per year
If you have a military background, you may be eligible for a policy from USAA, the cheapest minimum coverage in Hillsboro at around $416 per year.
Insuring your vehicle with GEICO costs around $469 less than American Family, the city’s most expensive minimum coverage policy company, at roughly $989 annually.
Keep in mind that state minimum coverage may let you save money, but it provides low liability coverage and no comprehensive and collision insurance, putting you at risk. You can use the table below to see how much it costs for higher liability coverage.
Cheapest Minimum Liability Car Insurance in Hillsboro
State Minimum
- CompanyState Minimumper year
- 1.$416
- 2.$520
- 3.$548
- 4.$561
- 5.$630
It’s mandatory for Oregon drivers to carry a minimum of $25,000 per person and $50,000 per accident of bodily injury liability and $20,000 in property damage liability, plus $15,000 personal injury protection and uninsured/underinsured motorist coverage.
With Oregon’s minimum coverage policy, you pay the least amount in Hillsboro for car insurance. However, you may end up paying out of pocket in an accident. For example, if you are at fault in an accident and the other driver’s medical expenses reach $60,000, your policy covers $25,000, leaving you to pay the rest — $35,000.
Oregon Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$15,000 per person.
Cheapest Car Insurance in Hillsboro if You Have Driving Violations
A speeding ticket, an at-fault accident or a DUI raises your car insurance premium in Hillsboro; drivers with a violation pay more than those with a faultless record.
The companies with the cheapest average car insurance quotes in Hillsboro with a violation are:
- Cheapest after a ticket: State Farm, $1,109 per year
- Cheapest after an at-fault accident: State Farm, $1,313 per year
- Cheapest after a DUI: Progressive, $1,062 per year
USAA offers the cheapest rates after a speeding ticket or an at-fault accident to drivers with an eligible military background.
To decrease your auto insurance costs, you need to improve your driving record. However, that takes a long time. Your best solution right now is to shop around and find which insurer offers the best cheap car insurance after a driving violation.
Cheapest Car Insurance in Hillsboro With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$884
- 2.$1,109
- 3.$1,135
- 4.$1,146
- 5.$1,176
Average Cost of Car Insurance in Hillsboro
Hillsboro$1,055
Oregon$1,181
U.S.$1,424
Insuring your car in Hillsboro costs an average of $1,055 per year. That’s 10.7% lower than the Oregon average of $1,181 per year and 25.9% cheaper than the national annual car insurance cost average of $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Hillsboro
In Hillsboro, insurance providers rely on several factors to determine the cost of car insurance. These include your age, gender, ZIP code, coverage level and car model and make. When shopping around for a policy, make sure to compare quotes from different insurers to get the most affordable coverage.
Compare Car Insurance Rates in Hillsboro
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Hillsboro
MoneyGeek studied the top car insurance companies in Hillsboro based on their average rates, claims ratings and user satisfaction. Our analysis showed that the best auto insurers in the city are:
- Country Financial: MoneyGeek score of 78 out of 100
- State Farm: MoneyGeek score of 74 out of 100
We excluded USAA from this analysis because it’s only available to military members, veterans and their families. Nonetheless, USAA is the top car insurance company in Oregon, receiving a MoneyGeek score of 100 out of 100.
1
Country Financial
Score:78
Country Financial is the best car insurance company in Hillsboro, gaining excellent scores for satisfaction and claims. At approximately $888 per year, it has an average score for affordability. An additional benefit is that the insurer offers add-on coverages that are not often available from other insurers, such as safety glass coverage and personal effects coverage.
More About Country Financial
You can add various coverages to your Country Financial car insurance policy in Hillsboro. Personal effects coverage, for instance, is a unique endorsement that covers items like your phone or laptop for up to $800 if they’re stolen from your car.
You can also opt for safety glass coverage, another rare add-on that can help reduce costs if you’re repairing your windshield, car windows or headlight covers. You don’t have to pay your comprehensive coverage deductible when you have this additional insurance.
Read MoneyGeek's Country Financial auto Insurance Review2
GEICO
Score:74
3
State Farm
Score:74
State Farm, Hillsboro’s runner-up car insurance company, has high scores in satisfaction and claims and an average score for affordability. It's moderately priced at around $1,006 per year. The company offers rideshare insurance, which is rarely found among other providers.
More About State Farm
If you’re a rideshare company employee in Hillsboro, you may wish to consider State Farm’s rideshare insurance. It’s a unique rider that fills the gap between your personal and your employer’s car insurance, ensuring that your medical, roadside assistance and rental car reimbursement is in effect.
With rideshare insurance, as long as your app is on and you’re available for hire, all coverages from your personal car insurance remain active. Note that your liability insurance won’t be in effect if you’ve matched with or are transporting a passenger.
Read MoneyGeek's State Farm auto Insurance Review4
Progressive
Score:66
5
Travelers
Score:63
6
Nationwide
Score:60
7
American Family
Score:58
8
MetLife
Score:47
9
Farmers
Score:41
10
Allstate
Score:27
Average Cost of Car Insurance by Postal Code
The cost of car insurance in Oregon varies depending on where you live. Accident-prone areas, as well as those with a high number of car theft incidents, tend to be more expensive. The cheapest ZIP code in Hillsboro is 97124. Drivers there pay an average annual premium of $1,037, which is only $37 cheaper than the average annual premium of those in 97123, the city’s most expensive ZIP code, at $1,074 per year.
- Zip CodeState Minimumper year
- 97124$1,037
- 97123$1,074
Factors That Impact Insurance Costs in Hillsboro
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Hillsboro. How Hillsboro ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
